Best and Cheapest Homeowners Insurance in Ohio for 2025 (10 Most Affordable Companies)
The best and cheapest homeowners insurance in Ohio comes from USAA starting at $16 a month, Geico, and American Family. USAA is the top pick for affordability and customer satisfaction.
Geico and American Family also offer budget-friendly options with competitive pricing. This post is a practical guide for understanding homeowners insurance so that you can compare providers and get the right coverage at the right price.
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
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#1 | $16 | A++ | Military Focus | USAA |
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#2 | $22 | A++ | Affordable Rates | Geico |
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#3 | $24 | A | Customer Loyalty | American Family |
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#4 | $25 | A++ | Diverse Discounts | Travelers |
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#5 | $27 | B | Broad Coverage | State Farm |
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#6 | $33 | A+ | Telematics Options | Progressive |
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#7 | $37 | A | Comprehensive Plans | Farmers |
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#8 | $41 | A | Flexible Policies | Liberty Mutual |
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#9 | $44 | A+ | Driver Programs | Nationwide |
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#10 | $46 | A+ | Reward Programs | Allstate |
As there are so many options, it is important to review your specific circumstances and financial position before selecting a policy. Knowing what to look for coverage limits, exclusions, and discounts will help make the decision easier.
You are in safe hands to guard your house. Use our free quote comparison tool to find a reputable company that can provide you with the comprehensive coverage you need for low rates.
What You Should Know
- Find the best and cheapest homeowners insurance in Ohio
- Get policies that fit Ohio homeowners' needs and budget
- USAA is the top pick for affordability and satisfaction
#1 – USAA: Top Overall Pick
Pros
- Exclusive Military Benefits: USAA offers unique customers the ability to provide military benefits to homeowners insurance in Ohio that are paid out to service members.
- Highly Competitive Rates: USAA offers one of the most affordable homeowners insurance in Ohio with rates starting from just $16 per month. See our USAA review for details.
- Outstanding Customer Service: USAA gets high marks for customer service, so Ohio homeowners can rest assured knowing their homeowners insurance is there when needed.
Cons
- Limited Eligibility: Only military members, veterans, and their families can access USAA’s homeowners insurance in Ohio.
- Fewer Local Agents: USAA may be hard to contact because most of its operations are online, which may be too inconvenient for people who would rather talk to someone face to face in a case of Ohio homeowners insurance.
#2 – Geico: Best for Affordable Rates
Pros
- Affordable Premiums: Geico offers homeowners insurance in Ohio at just $22 per month, making it a cost-effective choice. Check out our article for deatiled information "Save Money on Homeowners Insurance & Prevent Claims"
- Strong Financial Stability: A.M. Best gives Geico an A++ (Superior) rating, meaning it can be counted on to pay homeowners insurance claims for Ohio residents.
- Easy Online Policy Management: Geico’s user-friendly digital tools simplify handling homeowners insurance in Ohio.
Cons
- Third-Party Underwriting: Geico doesn’t directly underwrite its homeowners insurance in Ohio, which could lead to inconsistencies in service.
- Limited Customization: Unlike some competitors, Geico’s homeowners insurance in Ohio offers fewer options for policy personalization.
#3 – American Family: Best for Customer Loyalty
Pros
- Loyalty Discounts: Customers who have been with the same insurer will get discounts on homeowners insurance in Ohio. Explore our American Family review.
- Solid Customer Service: American Family is known for providing personalized assistance for homeowners insurance in Ohio.
- Comprehensive Coverage Options: Policyholders can access a variety of add-ons to customize their homeowners insurance in Ohio.
Cons
- Higher Premiums for New Customers: Compared to USAA and Geico, first-time buyers may pay more for homeowners insurance in Ohio.
- Limited Availability in Some Areas: American Family’s homeowners insurance in Ohio might not be as widely accessible as other providers.
#4 – Travelers: Best for Diverse Discounts
Pros
- Diverse Discount Options: Travelers has multiple ways to save on homeowners insurance in Ohio, like bundling and protective device discounts.
- Strong Financial Ratings: Travelers is rated A++ for financial strength, meaning it offers a strong level of coverage for Ohio home insurance
- Eco-Friendly Coverage Add-Ons: Ohio homeowners insurance can include green home coverage add-ons for extra sustainability benefits. Find the full list in our Travelers review.
Cons
- Higher Base Premiums: The average home insurance from Travelers in Ohio is $25 per month more pricey than its competitors' offerings.
- Fewer Local Agents: If you prefer to interact with a live person, finding support in Ohio homeowners insurance may be difficult.
#5 – State Farm: Best for Broad Coverage
Pros
- Extensive Agent Network: State Farm is a major, local presence; it has agents who work with homeowners insurance in Ohio residents.
- Customizable Policies: Ohio homeowners have customizable homeowners insurance, and flexible coverage options. Read our State Farm review for more.
- Reliable Claims Process: State Farm is known for quick, effective claims processing for Ohio homeowners insurance.
Cons
- Lower Financial Rating (B): Compared to other insurers, State Farm’s rating may raise concerns about long-term stability for homeowners insurance in Ohio.
- Slightly Higher Rates: At $27 per month, homeowners insurance in Ohio from State Farm is pricier than some competitors.
#6 – Progressive: Best for Telematics Options
Pros
- Innovative Telematics Discounts: Policyholders can save on Ohio homeowner’s insurance through the use of Progressive’s advanced tracking technology.
- Strong Financial Backing (A+): Progressive has a great financial position for reliable homeowners insurance in Ohio.
- Flexible Bundling Options: Customers can bundle auto and homeowners insurance in Ohio for extra savings. Get a complete view in our Progressive review.
Cons
- Higher Premiums Compared to Competitors: Progressive’s homeowners insurance in Ohio starts at $33 per month, which is higher than other providers.
- Third-Party Underwriting: Like Geico, Progressive outsources its homeowners insurance in Ohio to partner companies, which may lead to inconsistencies.
#7 – Farmers: Best for Comprehensive Plans
Pros
- Comprehensive Coverage Plans: Farmers provides options for broad protection for Ohio homeowners insurance, as well as high-value home policies.
- Discounts for Smart Home Devices: Policyholders can reduce costs by using smart technology with their homeowners insurance in Ohio.
- Solid Financial Rating (A): Farmers’ financial stability ensures dependable claims support for homeowners insurance in Ohio. Find more in our Farmers review.
Cons
- Higher Monthly Rates: At $37 per month, Farmers’ homeowners insurance in Ohio is more expensive than many competitors.
- Fewer Online Management Tools: This may be less convenient for some customers to manage digitally, as it relates to their homeowners insurance in Ohio.
#8 – Liberty Mutual: Best for Flexibles Policies
Pros
- Flexible Policy Options: Liberty Mutual provides customizable homeowners insurance in Ohio to meet various needs. See our Liberty Mutual review for more.
- Accident Forgiveness Benefits: Policyholders may qualify for certain claims forgiveness on homeowners insurance in Ohio.
- Strong Financial Standing (A): Liberty Mutual has a solid reputation for reliable homeowners insurance in Ohio.
Cons
- Higher Premiums Than Competitors: At $41 per month, homeowners insurance in Ohio from Liberty Mutual is more expensive than many top providers.
- Mixed Customer Service Reviews: Some customers report slower claims processing for homeowners insurance in Ohio.
#9 – Nationwide: Best for Driver Programs
Pros
- Unique Driver-Based Discounts: Nationwide offers auto bundling perks for homeowners insurance in Ohio. Learn more in our Nationwide review.
- Highly Rated Financial Strength (A+): Customers can trust Nationwide’s ability to pay claims for homeowners insurance in Ohio.
- Good Standard Coverage: Nationwide includes valuable protections in its basic homeowners insurance in Ohio policy.
Cons
- Premiums Are on the Higher Side: At $44 per month, Nationwide’s homeowners insurance in Ohio is more costly than most competitors.
- Limited Availability of Some Discounts: Not every homeowner will qualify for every discount that applies to homeowners insurance in Ohio.
#10 – Allstate: Best for Reward Programs
Pros
- Generous Reward Programs: Allstate offers unique incentives for long-term homeowners insurance in Ohio customers. Discover details in our Allstate review.
- Strong Financial Backing (A+): One of the most dependable homeowners insurance carriers in Ohio, Allstate is also a great pick.
- Customizable Policy Options: Ohio homeowners can customize their homeowners insurance with different add-on coverage types.
Cons
- Most Expensive Option: At $46 per month, Allstate’s homeowners insurance in Ohio is the priciest on the list.
- Mixed Customer Satisfaction Ratings: Some policyholders report slower claims processing for homeowners insurance in Ohio.
Best Homeowners Insurance at Affordable Rates in Ohio
Looking to start your search for the best homeowners insurance in Ohio? To get the best deal, compare monthly rates from top providers. When you know the costs of both minimum and full coverage, you can make an informed decision and save money. Here’s what the rates look like with major insurers:
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
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$46 | $120 |
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$24 | $62 |
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$37 | $96 |
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$22 | $59 |
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$41 | $106 |
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$44 | $114 |
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$33 | $85 |
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$27 | $70 |
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$25 | $63 |
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$16 | $41 |
For eligible members, USAA offers the lowest rates, with minimum coverage averaging $16 per month and full coverage starting at $41 per month. Geico and American Family also provide affordable options, with minimum coverage available for under $25 per month.
To maximize your savings, consider the top 3 ways customers say they’ve saved on homeowners insurance, bundling policies, raising deductibles, and taking advantage of discounts for home safety measures.
Smart Ways to Lower Your Homeowners Insurance Costs in Ohio
Ohio homeowners have several options to get discounts that can help lower the cost of insurance. Because different insurers charge varying premiums for the same coverage, finding these opportunities for savings can make a big difference.
Discounts are here to help you get the right coverage for the price you pay, whether you're bundling policies or adding safety features to your home. Here’s how much one major homeowners insurance company in Ohio will give you to qualify for saving money:
| Insurance Company | Bundling | New Home | Safety Features | Claims-Free | Loyalty |
|---|---|---|---|---|---|
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15% | 7% | 6% | 10% | 5% |
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18% | 10% | 7% | 12% | 6% |
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12% | 8% | 6% | 8% | 5% |
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20% | 7% | 5% | 12% | 5% |
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12% | 8% | 5% | 7% | 5% |
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15% | 10% | 6% | 8% | 5% |
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22% | 9% | 5% | 7% | 5% |
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20% | 9% | 5% | 8% | 6% |
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14% | 6% | 5% | 7% | 5% |
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23% | 7% | 5% | 6% | 5% |
These discounts can add up quickly, whether you bundle home insurance, install security systems, or maintain a claims-free record. Taking advantage of these opportunities is the key to getting the best value and keeping your homeowners insurance costs as low as possible.
You also need to know how various policies help protect your home, including coverage for contractor theft & homeowners insurance coverage. Understanding what’s in your policy can help keep surprise costs to a minimum and ensure you have full protection for your home.
Homeowners Insurance Claims and Cost Factors in Ohio
Discounts can have a big impact on homeowners insurance costs. Cost-saving opportunities like bundling policies or adding safety features to your home can help lower your premiums. Here’s how much some of Ohio’s top homeowners insurance companies offer in discounts if you qualify:
| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Wind and Hail Damage | 35% | $10,000 |
| Water Damage & Freezing | 25% | $8,500 |
| Fire and Lightning | 20% | $35,000 |
| Theft | 10% | $4,000 |
| Liability Claims | 10% | $22,000 |
Those savings can add up, from bundling home and auto insurance to installing a security system or maintaining a claims-free record. But understanding what determines home insurance costs is just as important. Here’s a breakdown of factors affecting home insurance rates that can impact how much you pay for coverage.
When calculating your premium, insurance providers consider several factors. Insurance companies consider multiple factors when calculating your premium. How old and in what condition your home is, where it’s located, what kind of system you want, and even your credit history can all affect insurance costs.
Weather risks, crime rates in your area, and the estimated cost to rebuild your home also factor in. Learn more about these factors so you can make informed decisions while searching for the best and cheapest homeowners insurance, which provides the right coverage at the lowest price.
Best Homeowners Insurance Coverage Options in Ohio
The best homeowners insurance in Ohio safeguards your home and your belongings inside it against unforeseen events like storms, fire, and theft. The top providers will ensure that you’re covered when it counts through reliable coverage, competitive rates, and handy perks.
- Dwelling Coverage: If a fire, windstorm, or hailstorm damages your home, USAA, State Farm, and Farmers are top choices. They offer full replacement cost coverage, ensuring your home is rebuilt to its original condition without leaving you with unexpected costs.
- Personal Property Coverage: Protecting your belongings is just as important as protecting your house. Geico, American Family, and Liberty Mutual provide replacement cost protection for furniture, electronics, and other valuables, with extra options to cover jewelry and collectibles.
- Liability Protection: Accidents happen, and if someone gets injured on your property, Travelers, Allstate, and Nationwide have you covered. They offer higher liability limits and umbrella insurance for added peace of mind in case of legal claims.
- Loss of Use Coverage: If your home becomes unlivable due to covered damage, you’ll need a place to stay. Progressive, Nationwide, and USAA offer housing, meal, and relocation reimbursements, so you don’t have to worry about where you’ll go while repairs are being made.
The best homeowners insurance isn’t just a policy; it’s the right protection when it’s needed the most. USAA has competitive rates, State Farm offers multiple coverage options, and American Family provides loyalty rewards—choosing the right provider is key. Since insurance rates vary based on location, age, and other factors, comparing providers helps you secure the best coverage at the lowest cost.
Many insurers also offer discounts for bundling policies, installing security systems, or maintaining a clean claims history. Does Homeowners Insurance Cover Tree Removal? It varies with your insurer and the reason for the claim. If a covered peril—such as a storm—causes a tree to fall, your insurance policy might cover its removal. But if it’s decorative or aged, you may need to pay for it yourself.
As for the cost of coverage, homeowners insurance rates in Ohio can vary. The best way to find the most affordable option—whether you need full coverage or the cheapest home insurance in Ohio offers—is by comparing home insurance quotes.
Finding the Best Home Insurance in Ohio
Finding the best home insurance companies in Ohio doesn’t have to be complicated. USAA stands out for military families with unbeatable rates and top-tier service. If you’re looking for budget-friendly options, Geico and American Family offer competitive pricing with solid coverage. How much is homeowners insurance in Ohio? On average, homeowners pay about $35 per month per $100,000 of home value, but your rate depends on factors like location, coverage level, and available discounts.
The average cost of homeowners insurance in Ohio can be lowered by bundling policies, installing security systems, or maintaining a claims-free record. Top 10 homeowners insurance companies with the best buying process, according to customer reviews, make it easier to compare options and find a policy that fits your needs while maximizing savings.
The best way to save? Compare quotes from top providers. Use our free tool to find the right coverage at the best price and make sure your home is fully protected without overpaying.
Frequently Asked Questions
What is the cheapest homeowners insurance in Ohio?
USAA has the lowest rate for homeowners insurance in Ohio, at $16 per month. If you can’t get USAA, check out Geico and American Family, which also have affordable policies and good coverage. The smart way to secure the lowest rate for your home is to compare quotes from multiple insurers.
Who is the best homeowners insurance company in Ohio?
USAA is widely recognized as the best homeowners insurance company in Ohio due to its affordability and excellent customer service. However, if you’re looking for strong customer loyalty, American Family is a great option, and State Farm is known for its broad coverage. Get the best rates on home insurance and save. Input your ZIP code to get comparable free quotes right now.
Who has the cheapest and best home insurance in Ohio?
If you’re looking to save the most money, however, USAA shines in terms of low rates and satisfaction. For the nonmilitary homeowner, Geico and American Family have competitive rates, while Travelers and State Farm offer solid coverage plus added discounts. It’s also worth thinking about how home improvement projects work with your homeowners insurance policy, since some upgrades can get you discounts or better coverage.
Why is home insurance so expensive in Ohio?
While Ohio has lower homeowners insurance rates than the national average, costs can still be high due to factors like frequent storm damage, theft, and rebuilding expenses. The value of your home, your location, and your insurance history also play a role in how much you pay.
What is the minimum insurance in Ohio?
There’s no legal minimum for homeowners insurance in Ohio, but if you have a mortgage, your lender will require enough coverage to protect the home. Standard policies typically include dwelling, liability, and personal property coverage to keep your investment safe.
What is the most common homeowner insurance in Ohio?
Most Ohio homeowners opt for an HO-3 policy, which covers the physical structure of your home, personal belongings, liability, and additional living expenses. This is the most popular option because it covers common risks such as fire, theft, and storms. Don't know what is an HO-3 Insurance Policy? —it’s the typical option for homeowners seeking wide-ranging protection at an affordable price.
Who is best to use for home insurance in Ohio?
It depends on what matters most to you. USAA is best for military families, Geico offers affordable rates, American Family rewards customer loyalty, and Travelers provides strong discounts. If you need broad coverage, State Farm is a solid pick.
Do you need homeowners insurance in Ohio?
Homeowners insurance is not required by law in Ohio, though if you have a mortgage, your lender will probably require you to take it out. Even if you own your home free and clear, insurance protects you from losing money if there’s a disaster or accident you didn’t expect. It doesn’t have to cost a fortune to protect your home. Use our free tool to find affordable homeowners insurance by entering your ZIP code.
Who is the most trusted insurance company in Ohio?
Even though homeowners insurance isn’t required in Ohio, lenders usually mandate it for you to obtain a mortgage. It’s a hedge against natural disasters, accidents, and bad weather, even if you own your home free and clear. For more info, read our article “Things to Know About Home Insurance” to have a better handle on coverage details and find the right policy while shopping around.
Who has the most expensive home insurance in Ohio?
Nationwide and Farmers tend to have higher premiums in Ohio because they offer more extensive coverage options. However, your personal rate will depend on factors like your home’s location, value, and your coverage choices.
What is the average cost of insurance in Ohio?
Homeowners in Ohio pay around $35 per month per $100,000 of home value. That means a $200K home would have an estimated premium of about $70 per month, though rates can vary depending on coverage, location, and discounts.
Which is the cheapest type of insurance in Ohio?
In Ohio, the lowest-cost kinds of homeowners insurance fall under a basic HO-1 or HO-2 policy, but they offer limited coverage. HO-3 policies are expensive, but affordable, particularly with the discounts offered by Geico and American Family Insurance. To learn more, check out the article “Do I have to add my dog to my homeowners insurance?”
What is the most costly homeowners insurance claim in Ohio?
Storm damage from tornadoes and winter storms tends to lead to the most expensive claims in Ohio. Fire and water damage are also among the most costly claims, often resulting in high repair or rebuilding costs.
Did insurance rates go up in Ohio?
Yes, homeowners insurance rates in Ohio have gone up due to inflation, higher repair costs, and more frequent storm-related claims. Bargain hunting for quotes and taking advantage of discounts can keep your costs in check.
Which homeowners insurance has the highest customer satisfaction in Ohio?
USAA ranks highest on the Ohio homeowners’ list for customer satisfaction because of its impact service and claims management. American Family and State Farm also get high marks for their reliability and policy options. Getting trusted suppliers on your side will save you money on homeowners insurance & avoid claims.